Visitors Insurance for Honduran Visitors in Florida
120,000+ Honduran Americans live in the US. When family visits Miami, one uninsured ER visit costs $3,500–$14,000. Get covered from $38–$78/month.
Honduran Visitors in Florida: What You Need to Know
Florida's Honduran community is spread across Miami-Dade, Broward, and areas like Homestead and Hialeah. Many Hondurans travel to Florida for extended family visits of 2–4 months. Honduras's IHSS social security health system has zero coverage in the United States. Jackson Memorial — Miami's Level 1 trauma center — averages $5,500 for an ER visit and $12,000+ per hospital night. Without insurance, these costs fall entirely on the patient.
Community Size
120,000+
Honduran Americans in US
Typical Stay
2–4 months
Average visit length
Common Visa
B-2 tourist visa
Most common entry type
Key Neighborhoods
Homestead
Florida hub
Why Honduran Visitors Need Insurance in Florida
Why Honduran Families Visit Florida
- ✓South Florida has a large Honduran community in Homestead and Miami Gardens
- ✓Visiting family who work in construction and services industries
- ✓Extended stays with adult children in Florida
- ✓Sports tourism (Honduran national team games in Miami)
Hub neighborhoods: Homestead, Hialeah, Miami Gardens, Pembroke Pines, Broward County
Real Healthcare Costs in Florida (FL)
Key fact for Florida: 120,000+ Honduran Americans live in the US, and Florida is one of their top destinations. Jackson Memorial Hospital is world-class — but without insurance, a single admission averages $20,000–$80,000. Plans for Honduran visitors start from $38–$78/month.
Best Plans for Honduran Visitors in Florida
All plans available from Tower Hill — licensed in Texas (#2608479TX). Coverage from $38–$78/month for visitors to Miami and all of Florida.
Visitors Care (IMG)
Coverage
Up to $100,000
Price
From $1.50/day
Pre-Existing
Acute onset covered
Best For
Budget-conscious visitors
Patriot America Plus (IMG)
Coverage
Up to $1,000,000
Price
From $2.20/day
Pre-Existing
Acute onset covered
Best For
Most visitors — best value
Safe Travels USA (Trawick)
Coverage
Up to $150,000
Price
From $1.80/day
Pre-Existing
Acute onset covered
Best For
Short trips under 90 days
Atlas America (WorldTrips)
Coverage
Up to $2,000,000
Price
From $2.50/day
Pre-Existing
Acute onset covered
Best For
Senior visitors 60+
| Plan | Max Coverage | Price | Pre-Existing | Best For |
|---|---|---|---|---|
Visitors Care (IMG) | Up to $100,000 | From $1.50/day | Acute onset covered | Budget-conscious visitors |
Patriot America Plus (IMG) Most Popular | Up to $1,000,000 | From $2.20/day | Acute onset covered | Most visitors — best value |
Safe Travels USA (Trawick) | Up to $150,000 | From $1.80/day | Acute onset covered | Short trips under 90 days |
Atlas America (WorldTrips) | Up to $2,000,000 | From $2.50/day | Acute onset covered | Senior visitors 60+ |
Frequently Asked Questions — Honduran Visitors in Florida
Do Honduran visitors to Florida need health insurance?
Honduran citizens are not covered by US Medicare or Medicaid. A single ER visit in Florida can cost $3,500–$14,000. Visitors insurance is strongly recommended — and some visa types (J-1, J-2) legally require it.
How much does visitors insurance cost for Honduran visitors to Florida?
Plans typically cost $38–$78/month per person depending on age, coverage amount, and deductible. Older visitors (65+) pay more. Most families find comprehensive coverage for under $5/day per person. Short trips of 2–4 weeks can cost as little as $25–$60 total.
What visa do most Honduran visitors use when coming to Florida?
Most Honduran visitors enter on a B-2 tourist visa. A typical visit lasts 2–4 months. Regardless of visa type, US health insurance does not automatically apply — you must purchase a separate visitors insurance policy.
Does visitors insurance cover pre-existing conditions in Florida?
Most plans cover acute onset of pre-existing conditions — sudden, unexpected emergencies like a heart attack, stroke, or diabetic crisis. Routine care for chronic conditions is not covered. This is critical for older Honduran visitors who may have diabetes, hypertension, or heart disease.
Which hospital would my family member use in Florida?
Jackson Memorial Hospital is one of the top facilities in Florida. Most visitors insurance plans work at any licensed US hospital — you're not restricted to a network in an emergency. In a non-emergency, some plans have preferred networks that reduce your out-of-pocket costs. Call (832) 856-1704 for guidance.
My Honduran parent has high blood pressure. Can they still get visitors insurance?
Yes — visitors insurance premiums are based on age, not health conditions. Having high blood pressure does not increase your cost or prevent you from getting coverage. What matters is whether you select 'acute onset of pre-existing conditions' coverage (which we always recommend). This covers sudden cardiac or stroke emergencies even if you have a known history. Call (832) 856-1704 for help selecting the right plan.
Protect Your Family's Visit to Florida
Licensed travel insurance agent • TX #2608479TX
IMG, Trawick International & WorldTrips — serving Honduran visitors to Miami and all of Florida